| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DALLAS | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $0 | $40K | 0.39% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINES ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | UNITEDHEALTHCARE INSURANCE COMPANY | $110 | $0 | $110 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 1.86% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINES ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $588 | $588 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $5K | $21K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $2K | $0 | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $26 | $3 | $29 | 0.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINES ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $8 | $0 | $8 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA EIN 91-1467758 CLAIMS PROCESSING | Claims processing Service code 12 | — | $17K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,258 | $11.4M |
| Vision | VISION SERVICE PLAN | 468 | $122K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $508K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $513K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $508K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.